Big NO's when buying a house

OOPS!! 6 big no-no’s when buying a house!

1. Not getting pre-approved. In this market sellers won’t even consider your offer without a lender letter.

2. Maxing out your budget. If things in your life go sideways you need to be able to handle unexpected expenses and maxing out your mortgage is a no-no.

3. Skipping the fine print. Do you have a prepayment penalty or an variable rate on your mortgage? Its important to know before hand the terms and conditions of your loan.

4. Making decisions from the heart instead of the head. This one is soooo hard. But try and take the emotion out of the equation.

5. Not factoring in other expenses.

6. Not protecting your credit score before closing. This is not the time to take out a loan for a new car or furniture for your new home.

The BUT Factor

The but factor. Not the butt factor, the but factor.

This is the thing buyers say when they decide not to buy your house.

• I love it BUT, the master bedroom is too small.

• I would make an offer BUT my payment will be too high.

• I think it could work for me BUT it needs too much work.

Okay so what’s a seller to do? Time to bring in the WOW factor.

1. Master bedroom is too small? With correct staging and appropriate furniture even a small bedroom can be workable. P.S. Home styling and staging is included with my listing package

2. Payment is too high? Sellers can help buyers buy down their interest rate to make the home more affordable.

3. House needs too much work? Correct pricing for condition is critical.

I want to, but

I wanna buy a house, but.....

To Rent or To Buy?

Buying vs Renting in today’s market.

Which is better?

There are pros and cons to both. But here’s a couple of key points.

• When you own your landlord can’t raise your rent.

• When you own your landlord can’t put your rental on the market.

• When you own you are building equity and wealth for YOU.

• When you rent and the sewer line fails its not your problem.

• When you rent you are not in a “committed relationship” with your home.

Homeownership doesn’t have to be out of reach, no matter what you tell yourself. I have great strategies and resources for first time buyers to overcome the fear of buying a home.

Consider these when building a house

Weird things I look for in every home that maybe you should consider too.

• Functional floor plan. Quirky floor plans can be charming but for some buyers it can be a deal killer. Is there good flow in the home? Does the bedroom layout make sense?

• Bathtub. You might never take a bath, but having a tub is something I will always want in a home. Whether you are bathing kids or dogs, I think a tub is critical.

• Pantry. This might seem frivolous but to me a pantry is a must. I need to be able to clearly see my canned goods and other non perishable food items or frankly, I will forget they are there. A good pantry will have somewhat narrow shelves so that things don’t get lost in the pantry abyss (this is similar to what happens to socks in the dryer, they just disappear).

• A dedicated laundry room. Not every home will be large enough for a dedicated space for duds but in my opinion this is a room that helps simplify and organize one of our least favorite of chores. Check out Pinterest for some amazing laundry room set ups.

All of these items may or may not be important to you but I think they are worth considering when it comes to the resale of your home.

While you can deal with the quirky floor plan, lack of tub, no pantry or laundry room, the next buyer might just decide another home is a better fit for them.

"We'll see"

There’s an old parable I return to often. The kind that lingers long after you hear it.

A farmer’s horse runs away.

The neighbors come rushing in: “What terrible luck!”

The farmer simply says, “Maybe so. Maybe not. We’ll see.”

The next day, the horse returns—bringing with it three wild companions.

The neighbors, wide-eyed: “How wonderful!”

Again, the farmer says, “Maybe so. Maybe not. We’ll see.”

Later, the farmer’s son tries to ride one of the new horses, is thrown, and breaks his leg.

“Oh no,” the neighbors say, “such misfortune.”

The farmer offers the same quiet refrain.

And when soldiers arrive days later, conscripting young men for war, the injured son is spared.

“You’re so lucky,” they say.

The farmer only nods: “Maybe so. Maybe not. We’ll see.”

I think about that farmer a lot when I’m working through real estate transactions.

• Deals fall through at the eleventh hour—only to make room for something better.

• Inspections reveal issues that feel like setbacks—but protect clients from bigger storms.

• Buyers vanish, then return with cash in hand and clearer intentions.

What feels like loss today may, in time, reveal itself as protection. What looks like victory might come with unseen lessons.

In this business—and in life—it serves us to stay curious. To ride the waves without assuming we know where they’re headed. To meet every twist with that same calm wisdom: Maybe so. Maybe not. We’ll see.

If you're feeling the ups and downs of the market—or your own life—I’m here to walk alongside you.

Steady. Grounded. With eyes on the long game.

Let’s see what unfolds.

What would you do?

In January of 2016 the Powerball jackpot got up to $1.59 billon. That’s 12 zeros….

If you are anything like me you might daydream about what you would do with your winnings.

Pay off all of your family members homes.

Go on vacation - like all the time.

Donate to your favorite charities.

Pay it forward and bless complete strangers.

Buy an island or a yacht.

And then you hear about the curses of winning the lottery. How good fortune turns to ruin.

But when I really started thinking about it there is only one thing I would really want that the lottery could give me, because truth be told, I love my life and I am blessed.

If money were no object, we would home school our kids and we would travel as much as possible. And the rest? I would give it away to help as many people as I could.

By train, plane and automobile. There is so much of the world I still want to explore.

If you won the Powerball what would you do?

Let met help you

All the “I don’t knows” about buying a house.

When I meet with buyers and sellers I get lots of questions.

How will you show my house?

How much money do I need down?

Who orders the appraisal?

Do I have to have a home inspection?

These are just some of the things people wonder about when buying and selling real estate.

There are so many questions; and you might even feel like you don’t even know what to ask. When you have a trusted and experienced agent to assist you they will be able to anticipate your needs before you even know you have them.

Go in eyes wide open and remember no question is a dumb question!

About your mortgage insurance

If you’ve bought a house in the past 2-5 years and didn’t put 20% down we need to talk!

It’s time to kick that private mortgage insurance payment you’ve been making to the curb!

Some lenders require you pay the insurance for a set amount of time and others will require a new appraisal to remove the insurance.

Here’s how I can help.

I have a formulated plan of attack that helps to rid you of that extra monthly cost.

I can also offer you a complimentary market analysis of your property so we know if you are in the ball park of saying good bye to mortgage insurance forever.

Please reach out if I can help or if you have any questions.

I am here to help

What do you need?

I am here to help.

Do you want interviews with certain experts?

Do you want tutorials on specific subjects like home staging, home improvement, credit repair?

What are you concerned about?

What questions do you have about the real estate market?

What do you need better clarification on?

Do you just need to laugh or be inspired?

I am here to help, let me know how I can do that.

Ask a Realtor

Need a goat wrangler, a locksmith, property check on a house that should probably be condemned (which is what I’m doing in this photo ) and a mariachi band by 3pm? Call a Realtor.

We’re not just showing houses—we’re solving problems you didn’t even know existed. Roof leak? I’ve got a guy. Permitting issue from 1987? I know someone who knows someone’s cousin who married a zoning official.

Realtors are the MacGyvers of the modern world—with a cell phone instead of a Swiss Army knife and caffeine instead of a mullet.

Creative? Always. Solution-oriented? That’s my superpower. We don’t just find a way—we invent one if we have to. The Ninjas of No-problemo.

You want the impossible done yesterday?

Ask a Realtor.

You want it done with resourcefulness, grit, and a half dead phone at 2% battery?

Still ask a Realtor.

We make mistakes

It was my worst day in real estate.

I had made a huge mistake.

This was back in the days of Blackberry phones.I had forwarded (or thought I had forwarded) an exclusion list to some buyers via email.

Well long story short, they never got it and the first time they had a look at the list of things that were not (and supposed to be) included with their new home was at the closing table.

How do you spell disaster?

What transpired next was me renting a small UHaul in a blizzard and driving 6+ hours to retrieve the massive amount missing items.

As I was commiserating with the man at UHaul about my epic mistake he said the following...

“A person will be judged not on the mistakes they make, but on the actions they do to correct the mistake”.

Little did this stranger know but he gave me a spark of hope and reprieve. A verbal life raft in a sea of self loathing.

We are all human, we make mistakes, it comes with the territory. But how you handle and respond to your mistakes reveals ones character.

That day I didn’t blame anyone else for what happened and I know I did everything humanly possible to make up for my mistake.

And now, I copy myself on every email to make double sure.

Buy real estate and wait

Don’t wait to buy real estate. Buy real estate and wait.

We all know the media loves a sensational story and there have been plenty surrounding the real estate market. Lately there has been lots of talk about “The Bubble”

But when we compare what the talking heads SAY is going to happen to what ACTUALLY has happened the outcome is very different.

The following example starts with a buyer looking at a home valued at $300,000

1. Oct 2015 “Housing today- a bubble larger than 2006” - we saw 5.1% appreciation - home is now worth $315,000

2. Aug 2016 “We’re in a housing bubble” - we saw 5.4% appreciation - home is now worth $332,000

3. Nov 2017 “Homeownership doesn’t build wealth, a study finds” - we saw 6.1% appreciation- home is now worth $353,000

4. Sept 2018 “It’s better to rent than buy in today’s housing market” - we saw 4.1% appreciation - home is now worth $367,000

5. July 2019 “The housing market is about to shift in a bad way for buyers” - we saw 4.0% appreciation- home is now worth $382,000

6. Dec 2019 “Next year will be hard on the housing market, especially in big cities” - we saw 16% appreciation in 2020- home is now worth $443,000

7. July 2021 “Housing boom is over as new home sales fall to pandemic lows” - we saw 18% appreciation - home is now worth $523,000

Had fear consumed this buyer back in 2015 they would’ve lost out on $223,000 of increased value, not to mention the seven years of payments made on the mortgage creating even more equity.

Remember, the interest rate on rent is 100%….

Make your financial decisions based on logic, reason and expert opinions. Don’t make decisions based on fear as you may miss out on big opportunities.

Nine years in a row real estate continues to be rated as one of the BEST long term wealth strategies.

Questions? Leave them in the chat or DM me. You don’t have to do this alone.

Keep Going

I love flying on cloudy and rainy days, because just minutes after take off the bad weather is left behind.

I love the moment when you break through the clouds and see the sun. The light which you never thought you would see again is on full display.

It’s always been there, but its easy to forget.

Sometimes our situations seem unmovable. Like there is no end in sight or reconciliation is impossible.

But the sun is ALWAYS shining, no matter what the clouds are doing. Its hard to envision a sun drenched world when all you see is heavy, dark clouds but its there all the same.

This keeps me going on the hard days - knowing the sun is still there and waiting to shine on my upturned face.

With gratitude.

Why isn't your house sold yet?

Here are the three reasons your home is not sold yet.

1. Price: buyers know the market. They have access to tons of data online and while the market is still crazy buyers are not in the mood to grossly overpay for your home.

2. Condition: too small, too dated, too smelly, major repairs, dysfunctional floor plan, you get the picture.

3. Location: too close to the road, in town, out of town, on a mountain, in a valley, again, you get the picture.

Two of these things you can change, one you cannot. So if your home is not selling you will need to have a closer look at 1 and 2 and see what adjustments need to be made.

Here is some expert advice

EXPERT ADVICE FOR FREE!?! YOU HEARD ME RIGHT!

Did you know that in most cases buyers don’t pay their real estate agents?? Buyers agents are paid by the listing company who is paid by the seller.

What does this mean for buyers?

It means you get my expertise, skill and knowledge at no cost to you.

In this short video I’ll share all the advantages of working with a real estate agent.

Is your home ready for showing?

When someone sees your home it’s really a second showing for them. Say what? Yep, they have already “seen” your home online.

They have walked thru all the rooms, admired your decorating style and marveled at your gardening skills..

1. But what if your photos aren’t “show ready”? What if your kids didn’t pick up their dirty laundry?

2. What if your rooms really need painted?

3. And what if your agent used their iPhone to take the photos (gasp!)?

Welcome to 2026 - if your agent is not hiring a professional photographer to take your photos then you need to start asking some questions.

But you need to do your part too - and I can help you with that.

As a service to all my sellers I offer home staging and styling for free! My stager extraordinaire will bring accessories and work with what you have. She will guide you on decluttering and cleaning.

And as a team we will ready your home for market with your best foot forward. And don’t forget to tell the kids to pick up their dirty clothes!

What are buyers looking for?

Low to no inventory.

Yep, that is the current state of affairs in the real estate market. We have way more buyers than we do houses.

So what are buyers looking for?

Well anything at this point because they can’t be picky, but here are the most common things I hear:

• At least 3 bedroom

• Under $500K

• Something that doesn’t need a ton of work

• Master bedroom

• Second living room

If you are curious about selling and what your home might be worth please reach out. I will listen to your needs and goals and give you sound advice.

Nailing it in real estate

I overheard someone recently talking about her new home purchase out of state. She was singing her agent’s praises — and even mentioned that he promised to “hammer the seller” during inspection to get them more money off.

I have to admit, I was a little stunned. A lot of thoughts ran through my head — one of them being, “Aren’t you glad your buyer didn’t do that to you when you sold your house?”

Buying or selling a home is emotional. There’s real life happening on both sides of that contract — families packing up memories, people stepping into new seasons, sometimes with a mix of excitement and heartache. That’s why the Colorado contract includes a Good Faith clause. Because “hammering” someone isn’t how you build trust or get to the closing table with integrity.

When you work with me, you can expect honesty, respect, and compassion — for you and for the person on the other side of the deal.

No bait and switch. No smoke and mirrors. No hammering.

Because in real estate done right, compassion and integrity always win the deal.

Nailed it.

Your team of superheroes

Team work makes the dream work.

In order to have a great experience when buying a home you need to have a team of superheroes on your side.

1. Real estate agent. Someone you trust, who has your back and understands the market and area.

2. A rock star lender who understands mountain properties, is easy to communicate with and delivers on time.

3. An experienced home inspector who is knowledgeable and takes the time to explain the findings in your inspection report.

4. A title company who is responsive, accommodating and precise.

You don’t have to do this alone.